Fixed Income Opportunities

Earn Stable & Predictable Returns with Corporate FDs & NCDs

Access high-yield fixed income opportunities from top-rated companies — designed to generate regular income with better returns than traditional bank deposits.

Earn up to 8%–10%+ returns with flexible tenure options*

*Returns vary by issuer and rating

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Fixed Income Instruments

Fixed Income Beyond Bank Deposits

Corporate Fixed Deposits (FDs) and Non-Convertible Debentures (NCDs) allow investors to earn fixed interest income from companies for a defined period.

They are commonly considered by investors seeking higher returns than traditional bank deposits, while accepting moderate credit risk. Unlike bank FDs, these instruments are issued by companies and carry issuer-specific credit risk.

Through HawkSarthi, we help investors understand the available options, compare credit quality, and evaluate suitability for their income and portfolio goals.

Explore Fixed Income Options

Fixed Income Return Spectrum

Typical return ranges across different fixed income instruments

Instrument	Typical Return Range
Bank Fixed Deposits	6% – 7.5%
Corporate Fixed Deposits	7.5% – 9.5%
NCDs (Listed / Unlisted)	8% – 10.5%

Bank FD

6 – 7.5%

Corporate FD

7.5 – 9.5%

NCD

8 – 10.5%

Corporate FD vs NCD

Feature	Corporate Fixed Deposits	NCDs
Structure	Company fixed deposit	Corporate bond
Interest Payment	Monthly / Quarterly / Annual	Coupon interest
Tenure	1 – 5 Years	2 – 10 Years
Listing	Not listed	Often listed on exchanges
Liquidity	Lower	Moderate (if listed)
Security	Secured / Unsecured	Secured / Unsecured

Key Features

Feature	Explanation
Higher Interest Rates	Often higher than traditional bank deposits
Defined Tenure	Fixed maturity period with clear investment horizon
Regular Income	Interest can be paid monthly, quarterly, or annually
Investment Choice	Both secured and unsecured options available depending on the issuer

Typical Investment Parameters

Parameter	Range
Expected Returns	7.5% – 10.5% (not guaranteed)
Tenure	1 – 10 Years
Minimum Investment	₹10,000 – ₹1,00,000
Income Frequency	Monthly / Quarterly / Annual

Risk Considerations

Risk Type	Explanation
Credit Risk	Company may delay or default on interest or principal payment
Liquidity Risk	Some investments may have limited or no premature exit options
Interest Rate Risk	Market interest rates may change, affecting the relative value of fixed returns

Credit ratings and company fundamentals are important considerations before investing.

Portfolio Allocation Illustration

Example ₹50 Lakh Fixed Income Portfolio — illustrative only

Investment Type	Allocation
Bank Deposits	30%
Corporate FDs	25%
NCDs	25%
Debt Mutual Funds	20%

Diversification across fixed income instruments may help balance returns and risk.

Income Investment Comparison

Compare fixed income opportunities across instruments

Feature	Corporate FDs	NCDs / Bonds	P2P Lending	Debt Mutual Funds
Structure	Company deposit	Corporate bond	Lending to borrowers	Pooled debt portfolio
Returns (Typical)	7.5 – 9.5%	8 – 10.5%	12 – 14%	6 – 8%
Tenure	1 – 5 Years	2 – 10 Years	6 – 36 Months	Flexible
Liquidity	Low	Moderate	Moderate	High
Income Frequency	Monthly / Quarterly	Coupon payments	Monthly EMI	SWP option
Risk Level	Moderate	Moderate	Moderate – High	Low – Moderate

Suitability Guide

Who Typically Considers Corporate FDs & NCDs?

These instruments may suit investors looking for higher income than bank deposits while accepting moderate credit risk on a defined tenure.

Income-Focused Investors

Investors seeking regular and predictable interest income that is higher than what traditional bank deposits offer.

Diversified Portfolio Builders

Investors who want to add higher-yield fixed income instruments to a portfolio that includes equity and mutual funds.

Retirement & Preservation Portfolios

Investors in or approaching retirement who prefer predictable income streams with defined maturity dates.

Start Your Fixed Income Planning

A short discussion can help you understand:

Corporate FD and NCD opportunities currently available
Credit quality and risk considerations
How these instruments may fit within your portfolio

Discuss Corporate FD & NCD Options

Important Disclosure — Corporate FDs & NCDs

Investments in corporate fixed deposits and NCDs are subject to credit risk and issuer-specific terms. Returns are not guaranteed. Investors should evaluate the credit rating, financial health of the issuer, and terms and conditions before investing. Hawk-I Investment and Insurance Marketing Pvt. Ltd. facilitates access to investment opportunities and does not guarantee returns or issuer obligations.